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Terms Of Service For Novus MedPlan

Last updated September 27, 2018. Terms of Service and Privacy Policy Patient /Provider/Affiliate Welcome to novusmedicalgroup.com (the "Site"), provided by Novus Medical Group, Inc., and its affiliates, subsidiaries, parent company and other related companies ("Us", "We", or "Novus"). This Novusmedicalgroup.com Privacy Policy ("Policy") describes the information we gather from you when you use the Site, mobile applications, and related services (together, the "Services") and how we use, process, and disclose that information. We may add to this Policy with other notices. We may also post additional privacy statements for some portions of the Services. By submitting personal information through our Services, you expressly consent to the transfer of your personal data to our servers for our collection, use, and disclosure in accordance with this Policy.

Information We Collect When you create an account and use our Service, we collect the following types of information from you: First and Last Name, Contact information such as your email address and phone number, Demographics information such as your gender and location, any other information, such as reviews, content, credit card information, order history you provide us. If you create an account using, or otherwise connect your account to, a social networking services account (e.g. Twitter or Facebook), we may also collect information provided to us by such social networking service including for example your: name, email address, birthday, geographic location, interests, profile picture, gender, networks, user ID, list of friends, and any information you have made public on such social networking account. We automatically collect information about how you use our services, for example, pages you have viewed. We also collect certain technical information about your device including your Internet protocol address, geo‐location information, your browser type, language and identifying information, your operating system and application version, device types, device model and manufacturer, device identifiers, and your device operating system type and version. We also use cookies, Web beacons, and URL information to gather information regarding the date and time of your visit and the information for which you searched and which you viewed. Cookies are small pieces of information that a website sends to your computer's hard drive while you are viewing a website. We may use both session cookies (which expire once you close your web browser) and persistent cookies (which usually stay on your computer until you delete them) to provide you with a more personal and interactive experience on our Site. Web beacons are digital images that are used to log information on the Services or in our emails. We use Web beacons to manage cookies, count visits, and to learn what marketing works and what does not. We also use Web beacons to tell if you open or act on our emails. Others, including third party analytics service providers and advertising partners may also collect personally identifiable information about your online activities over time and across different Web sites when you use our Services, including as described in this Privacy Policy. This Policy does not apply to and we are not responsible for those other parties. Third party analytics services may use cookies and web beacons through our Site (for example Google Analytics and our credit card processor) and platform device identifiers and software agents on and through our mobile Services (for example Google Analytics) to provide us with information about how you use and interact with our Site. We encourage you to review the privacy policies of these third parties to learn about your choices about information they collect from you.

Sharing Of Your Information Novus may allow you to connect and share your actions, comments, content, profile, and information publicly or with other people. You may control some of the categories of personal information shared via your profile from the account settings menu on the Site. Please be mindful of your own privacy needs as you choose who to connect with and what to share and make public. We cannot control the privacy or security of information you choose to make public or share with others. Novus may also provide you with the option to share certain information from your Novus account with social networking services like Facebook, Google, or Twitter. We are not responsible for the use or re‐sharing by others of any of your information once it is made public. If you do not want your information to be made public, you should not use Novus in this manner and/or you should adjust your privacy setting(s)s on the applicable social networking service accordingly. We are not responsible for and we do not control these social networking services privacy practices. Please review the applicable privacy policy for information about how they use your information.

How Novus Uses Your Information Novus generally uses your information to: 1. Facilitate the creation of and secure your account on the Services, 2. Identify you as a user in our system, 3. Provide, personalize, and improve the Services, 4. Communicate with you about your use of the Services, 5. Provide our provider network with information about you for your order, 6. Develop new products and services, 7. Customize the advertising you view and recommend content, 8. Fulfill your requests, 9. Send newsletters, surveys, offers and promotional materials related to the Services and for other marketing purposes of Novus using your contact information, 10. Protect, investigate, and prevent potentially fraudulent, unauthorized, or illegal activities, 11. Protect our rights and the rights of other users, and 12. As otherwise described in this Privacy Policy or in notices we provided to you. We may also use your information to verify your geographic location. We may use your geographic location data to personalize our Service, to recommend content, determine whether the information you have requested is available in your location. How Novus Discloses Your Information We may share your information as follows: 1. We may share your personal information with your consent or at your direction. 2. We may also share your information with others who perform services on our behalf (for example, with Twilio or Asterisk if you make a call using the Service). 3. We may disclose your information if we believe we are required to do so by law, or to comply with a court order, judicial or other government subpoena, or warrant. 4. We also may disclose your information if we believe doing so is appropriate or necessary to prevent any liability, or fraudulent, abusive, or unlawful uses or to protect Novus and our Services; or any rights, property, or personal safety of Novus or others. 5. In the event that Novus is or may be acquired by or merged with another company or involved in any other business deal (or negotiation of a business deal) involving sale or transfer of all or part of our business or assets, we may transfer or assign your information as part of or in connection with the transaction. Finally, in the event of insolvency, bankruptcy, or receivership, information may be transferred as a business asset. We may also share aggregated and anonymized data with our partners, advertisers, and other third parties.

Third Party Advertisers We permit advertisements to be delivered to you by third party Internet advertising companies (also called ad networks or network advertisers). These companies may use cookies, Web beacons, platform device identifiers, software agents, and other technologies to collect non‐personally identifiable information about your visits over time on our Service and across other websites to deliver advertisements to you targeted to your interests, measure their effectiveness and personalize advertising content, and to understand the usage and visitation of the Services and the other applications and websites tracked by these advertising companies. We do not have access to or control over cookies, Web beacons, platform device identifiers, software agents, or other technologies that they may use. We are not responsible for the privacy practices of third party advertisers. You should check the privacy policy of the third party advertiser to determine how it handles information it separately collects from you. In addition, the Network Advertising Initiative offers information about some of the Internet advertising companies we may use.Affiliate can only market to states where Novus MedPlan is licensed. Provider and Members can only sign up in states where Novus MedPlan is licensed.

Security Novus takes commercially reasonable steps to help protect your Information against loss, misuse and unauthorized access, or disclosure. No company can fully prevent security risks, however. While we strive to protect your personal information, we cannot guarantee its absolute security. To help protect yourself and your information, choose a unique password for our Services and do not use a password on our Services that you would use on any other website or online service. Dispute Resolution If you believe that Novus has not adhered to this Statement, please contact Novus by email at info@novusmedicalgroup.com. We will do our best to address your concerns. If you feel that your complaint has been addressed incompletely, we invite you to let us know for further investigation.

Information Choices You may opt out of receiving promotional emails from Novus by following the instructions in those emails. If you opt out, we may still send you non‐promotional emails, such as emails about your accounts or our ongoing business relations. You may also send requests about your personal information, including changes to your contact preferences, changes to or deletions of your information or content you post, and requests to opt‐out of sharing your personal information with third parties by emailing info@Novusmedicalgroup.com. Please note that deletion of your information or content does not ensure complete or comprehensive removal of the content or information posted on the Services. When you visit the Site, others and we give you the following choices about use of mechanisms for tracking, including tracking of your online activities over time and across different websites and online services by third parties. Most Web browsers are set to accept cookies by default. If you prefer, you can usually choose to set your browser to remove cookies and to reject cookies from our Site or from third parties. If you choose to remove cookies or reject cookies, this could affect certain features or services of our Site. To opt‐out of Google Analytics web tracking for certain browsers, you can download Google Analytics Opt‐out Browser Add‐on. You may opt out of other cookies that may be present on the Site by following the directions on Google's opt‐out page, ScorecardResearch's opt‐out page, and Quantcast's opt out page. You can also choose to opt‐out of use of cookies by some of our third party advertising partners to deliver ads tailored to your profile and preferences. To find out more and opt‐out click here. However, while we and others give you choices as described in this policy, there are many ways in which Web browser signals and other similar mechanisms can indicate your choice to disable tracking, and our Site may not be aware of or honor every mechanism. You may have the right to know what personal information Novus has about you and to correct any inaccuracies. Please direct any such requests by email to info@novusmedicalgroup.com or by one of the other means listed below.

Changes and Updates to this Privacy Policy From time to time, we may revise the Policy. To help you stay current of any changes, we note the date the Privacy Policy was last updated above.

All major Credit/Debit Cards, Bankers Draft or ACH Transfer are all acceptable methods of payment. Our Terms are payment in full within thirty days. All goods remain the property of the Company until paid for in full. Monies that remain outstanding by the due date will incur late payment interest at the rate of 2% above the prevailing BV&T Bank of Florida and the base rate on the outstanding balance until such time as the balance is paid in full and final settlement. We reserve the right to seek recovery of any monies remaining unpaid sixty days from the date of invoice via collection Agencies. Returned checks will incur a $45 charge to cover banking fees and administrative costs. In an instance of a second Returned check, we reserve the right to terminate the arrangement and, if agreed to, we shall insist on future cash transactions only. Consequently, all bookings and/or transactions and agreements entered into will cease with immediate effect until such time as any and all outstanding monies are recovered in full.

Cancellation PolicyCancel anytime: Network membership with recurring premium payments may be cancelled at any time. You can do this by providing written notice to via email at info@novusmedicalgroup.com Or, you can deliver the notice directly to the Operations Manager our facility via certified mail to 12805 SW 84 Ave Road, 2nd floor, Miami, Florida 33156 or, If you deliver the notice in person, please be sure to get a receipt for your records. A cancellation postmarked at least 5 business days before your next billing date should result in no further recurring billing. If less than 5 business days, you may be billed one more time. If this occurs, Novus will refund that additional billing. If you do decide to cancel your membership, you can still use the club for the additional time covered by the pre‐paid last month’s premium we collected at enrollment. Your last month prepaid dues will be applied to the month AFTER the month paid by your final recurring billing, and your membership will expire at the end of that prepaid last month. Termination of Agreements and Refunds Policy Both the Client and ourselves have the right to terminate any Services Agreement for any reason, including the ending of services that are already underway. No refunds shall be offered, where a Service is deemed to have begun and is, for all intents and purposes, underway. Any monies that have been paid to us which constitute payment in respect of the provision of unused Services, shall be refunded. Availability Unless otherwise stated, the services featured on this website are only available within the United States, or in relation to postings from the United States. All advertising is intended solely for the United States market. You are solely responsible for evaluating the fitness for a particular purpose of any downloads, programs and text available through this site. Redistribution or republication of any part of this site or its content is prohibited, including such by framing or other similar or any other means, without the express written consent of the Company. The Company does not warrant the service from this site will be uninterrupted, timely or error free, although it is provided to the best ability. By using this service you thereby indemnify this Company, its employees, agents and affiliates against any loss or damage, in whatever manner, howsoever caused.

Log Files We use IP addresses to analyze trends, administer the site, track user’s movement, and gather broad demographic information for aggregate use. IP addresses are not linked to personally identifiable information. Additionally, for systems administration, detecting usage patterns and troubleshooting purposes, our web servers automatically log standard access information including browser type, access times/open mail, URL requested, and referral URL. This information is not shared with third parties and is used only within this Company on a need‐to‐know basis. Any individually identifiable information related to this data will never be used in any way different to that stated above without your explicit permission.

Cookies Like most interactive web sites this Company’s website [or ISP] uses cookies to enable us to retrieve user details for each visit. Cookies are used in some areas of our site to enable the functionality of this area and ease of use for those people visiting. Some of our affiliate partners may also use cookies. Links to this website You may not create a link to any page of this website without our prior written consent. If you do create a link to a page of this website you do so at your own risk and the exclusions and limitations set out above will apply to your use of this website by linking to it.

Links from this website We do not monitor or review the content of other party’s websites which are linked to from this website. Opinions expressed or material appearing on such websites are not necessarily shared or endorsed by us and should not be regarded as the publisher of such opinions or material. Please be aware that we are not responsible for the privacy practices, or content, of these sites. We encourage our users to be aware when they leave our site and to read the privacy statements of these sites. You should evaluate the security and trustworthiness of any other site connected to this site or accessed through this site yourself, before disclosing any personal information to them. This Company will not accept any responsibility for any loss or damage in whatever manner, howsoever caused, resulting from your disclosure to third parties of personal information.

Copyright Notice Copyright and other relevant intellectual property rights exists on all text relating to the Company’s services and the full content of this website.

Communication We have several different e‐mail addresses for different queries. These, and other contact information, can be found on our Contact Us link on our website or via Company literature or via the Company’s stated telephone, facsimile or mobile telephone numbers. This company is registered in the state of Florida and is filed as a foreign corporation in your state, phone number 855‐228‐7355, registered office 12805 SW 84 Ave Road, 2nd Floor, Miami, FL 33156. Force Majeure Neither party shall be liable to the other for any failure to perform any obligation under any Agreement which is due to an event beyond the control of such party including but not limited to any Act of God, terrorism, war, political insurgence, insurrection, riot, civil unrest, act of civil or military authority, uprising, earthquake, flood or any other natural or manmade eventuality outside of our control, which causes the termination of an agreement or contract entered into, nor which could have been reasonably foreseen. Any Party affected by such event shall forthwith inform the other Party of the same and shall use all reasonable endeavors to comply with the terms and conditions of any Agreement contained herein. Waiver Failure of either Party to insist upon strict performance of any provision of this or any Agreement or the failure of either Party to exercise any right or remedy to which it, he or they are entitled hereunder shall not constitute a waiver thereof and shall not cause a diminution of the obligations under this or any Agreement. No waiver of any of the provisions of this or any Agreement shall be effective unless it is expressly stated to be such and signed by both Parties.

In using this website you are deemed to have read and agreed to the following terms and conditions:

The following terminology applies to these Terms and Conditions, Privacy Statement and Disclaimer Notice and any or all Terms of Services: "Provider", “You” and “Your” refers to you, the person accessing this website and accepting the Company’s terms and conditions. "The Company", “Ourselves”, “We” and "Us", refers to Novus Medical Group, Inc. and all subsidiary entities. “Party”, “Parties”, or “Us”, refers to both the Client (Members/Patients) and ourselves, or either the Client or ourselves. All terms refer to the offer, acceptance and consideration of payment necessary to undertake the process of our assistance to the Client in the most appropriate manner, whether by formal meetings of a fixed duration, or any other means, for the express purpose of meeting the Client’s needs in respect of provision of the Company’s stated services/products, in accordance with and subject to, prevailing Federal and/or State Law. Any use of the above terminology or other words in the singular, plural, capitalization and/or he/she or they, are taken as interchangeable and therefore as referring to same.

The Company is an organization offering insurance programs and insurance related plans within the Wellness field of healthcare delivery, including Wellness treatments, therapies, and supplements; additionally, other alternative treatments such as the use of Cannabidiol and Medical Marijuana (“MMJ”) by patients throughout the United States where MMJ is legal. You attest by your agreement to participate as a Network Provider you are a duly licensed, certified, or otherwise authorized to operate in the state(s) that you provide Wellness treatments, therapies, and supplements, including alternative therapies such as MMJ, where MMJ is legal; and you wish to provide these to The Company’s members.

Therefore, in consideration of the mutual promises and covenants herein, the parties agree as follows:

1 General Terms a) Upon request from a The Company’s member patient, Provider shall provide services/products to The Company’s members, in adherence to local State’s regulations. b) Provider agrees to offer best pricing discounts to The Company’s members, and ensure they receive the best possible pricing available from the Provider. c) Each party shall indemnify and save the other party harmless from and against any claims, demands, actions, causes of action, damages, losses, costs, liabilities or expenses whatsoever incurred by the other party as result of claims arising in relation to the performance of this Agreement or from any breach of this Agreement or from any negligent or wilful act of that party, its officers, employees, agents or sub-contractors. This clause shall survive any expiration or termination of this Agreement. d) The Agreement may be terminated, by either party, giving the other party 14 days’ notice in writing of the wish to terminate this Agreement. e) Provider shall be responsible for ensuring, and represents and warrants at all times, that Provider shall have all necessary qualifications, licenses, permits and authorizations required under the laws and regulations within the aforementioned state to operate as contemplated herein, and will maintain such licenses, permits and authorizations during the term of the Agreement. f) Provider shall not enter into any agreements or arrangements, whether written or oral, with any other health insurance and/or health insurance related medical plans and/or other organization within the health care insurance field and/or any other company offering medical discounts in the aforementioned state.

2 Term and Termination The term of this Agreement shall be one (1) year from the Effective Date and thereafter shall automatically renew for successive periods of one (1) year each unless either party provides written notice of nonrenewal to the other at least fourteen days (14) before the end of the then current (initial or renewal) term or this Agreement is otherwise terminated pursuant to Paragraph 9 of this Agreement.

3 No Steering For the term of this Agreement and for two (2) years thereafter, Provider and its agents, employees, affiliates and subcontractors shall not engage in steering or otherwise directly or indirectly solicit any The Company member to join a competing health plan or discount plan or induce any The Company member to cease doing business with The Company.

4 Governing Law With the exception of the principles applying to the conflict of laws, this Agreement shall be governed by, and shall be construed in accordance with, the laws of the aforementioned state, United States of America.

5 Entire Agreement This Agreement represents the entire understanding and agreement between the parties and supersedes all previous negotiations and understandings between them with respect to its subject matter. Further, this Agreement supersedes all previous agreements between the parties with regard to its subject matter and those agreements are now terminated and of no further effect.

6 Privacy Statement We are committed to protecting your privacy, which Authorized employees within the company on a need to know basis only use any information collected from individual customers. We constantly review our systems and data to ensure the best possible service to our customers. Certain Regulatory Authorities have created specific offences for unauthorised actions against computer systems and data. We will investigate any such actions with a view to prosecuting and/or taking civil proceedings to recover damages against those responsible.

7 Confidentiality We are registered under the Data Protection Act 1998 and as such, any information concerning the Client and their respective Client Records may be passed to third parties. However, Client records are regarded as confidential and therefore will not be divulged to any third party, other than if legally required to do so to the appropriate authorities. Clients have the right to request sight of, and copies of any and all Client Records we keep, on the provision that we are given reasonable notice of such a request. Clients are requested to retain copies of any literature issued in relation to the provision of our services. Where appropriate, we shall issue Client’s with appropriate written information, handouts or copies of records as part of an agreed contract, for the benefit of both parties.

Provider shall keep strictly confidential and shall not disclose any information it obtains pursuant to this Terms of Service, including, but not limited to, all patient information contained in The Company’s database, unless disclosure of such information is in the proper course of discharging the Network Provider’s obligations under the Terms of Service or is required by law. The parties further agree as follows:

a All information, development processes, market research, systems development, market techniques, product improvement, processes, programs and methods used or employed in connection with the Terms of Service shall be considered trade secrets and/or confidential and proprietary information belonging to The Company ("Company's Confidential Information").

b Provider agrees to keep Confidential Information confidential and under no circumstances may Provider divulge such information to any person absent a valid court order. Any confidential information required to be disclosed by Provider pursuant to a valid order by a court or other governmental body having proper jurisdiction over Provider will not be disclosed by Provider until and unless Provider provides written notice to The Company of such order sufficiently in advance of the disclosure to allow The Company reasonable opportunity to defend against or condition such disclosure. This Article will survive termination of this Terms of Service.

c Provider shall hold such trade secrets and/or confidential and proprietary information in confidence and shall not disclose, furnish or use them, in any way whatsoever, and shall take all lawful measures available to prevent any other person employed by it or within its control from so disclosing, furnishing or using any trade secrets and/or confidential and proprietary information of The Company to which it becomes privy. Provider shall use its best endeavors to ensure that its employees, agents and subcontractors fully comply with the terms of this clause. Upon termination of the Terms of Service, Provider shall return or, at the direction of The Company, destroy all proprietary materials of The Company in Provider’s care, custody or control. This clause shall not encompass information that is or becomes publicly available, is already lawfully in the possession of a party, is independently developed by such party, or is lawfully obtained from third parties without restrictions.

8 Disclaimer: Exclusions and Limitations The information on The Company’s web site(s) is provided on an "as is" basis. To the fullest extent permitted by law, this Company: a excludes all representations and warranties relating to this website and its contents or which is or may be provided by any affiliates or any other third party, including in relation to any inaccuracies or omissions in this website and/or the Company’s literature; and b excludes all liability for damages arising out of or in connection with your use of this website. This includes, without limitation, direct loss, loss of business or profits (whether or not the loss of such profits was foreseeable, arose in the normal course of things or you have advised this Company of the possibility of such potential loss), damage caused to your computer, computer software, systems and programs and the data thereon or any other direct or indirect, consequential and incidental damages.

9 Availability Unless otherwise stated, the services featured on this website are only available within the United States, or in relation to postings from the United States. All advertising is intended solely for the United States market. You are solely responsible for evaluating the fitness for a particular purpose of any downloads, programs and text available through this site. Redistribution or republication of any part of this site or its content is prohibited, including such by framing or other similar or any other means, without the express written consent of the Company. The Company does not warrant that the service from this site will be uninterrupted, timely or error free, although it is provided to the best ability. By using this service you thereby indemnify this Company, its employees, agents and affiliates against any loss or damage, in whatever manner, howsoever caused.

10 Log Files We use IP addresses to analyse trends, administer the site, track user’s movement, and gather broad demographic information for aggregate use. IP addresses are not linked to personally identifiable information. Additionally, for systems administration, detecting usage patterns and troubleshooting purposes, our web servers automatically log standard access information including browser type, access times/open mail, URL requested, and referral URL. This information is not shared with third parties and is used only within this Company on a need-to-know basis. Any individually identifiable information related to this data will never be used in any way different to that stated above without your explicit permission.

11 Cookies Like most interactive web sites this Company’s website [or ISP] uses cookies to enable us to retrieve user details for each visit. Cookies are used in some areas of our site to enable the functionality of this area and ease of use for those people visiting. Some of our affiliate partners may also use cookies.

12 Links to this website You may not create a link to any page of this website without our prior written consent. If you do create a link to a page of this website you do so at your own risk and the exclusions and limitations set out above will apply to your use of this website by linking to it.

13 Links from this website The Company does not monitor or review the content of other party’s websites which are linked to from this website. Opinions expressed or material appearing on such websites are not necessarily shared or endorsed by us and should not be regarded as the publisher of such opinions or material. Please be aware that we are not responsible for the privacy practices, or content, of these sites. We encourage our users to be aware when they leave our site and to read the privacy statements of these sites. You should evaluate the security and trustworthiness of any other site connected to this site or accessed through this site yourself, before disclosing any personal information to them. The Company will not accept any responsibility for any loss or damage in whatever manner, howsoever caused, resulting from your disclosure to third parties of personal information.

14 Copyright Notice Copyright and other relevant intellectual property rights exist on all text relating to the Company’s services and the full content of this website.

15 Communication The Company has several different e-mail addresses for different queries. These, and other contact information, can be found on our Contact Us link on our website or via Company literature or via the Company’s stated telephone, facsimile or mobile telephone numbers. The company is registered in the state of Florida and is filed as a foreign corporation in your state, phone number 855-228-7355, registered office 12805 SW 84 Ave Road, 2nd Floor, Miami FL 33156.

16 Force Majeure Neither party shall be liable to the other for any failure to perform any obligation under any Terms of Service which is due to an event beyond the control of such party including but not limited to any Act of God, terrorism, war, political insurgence, insurrection, riot, civil unrest, act of civil or military authority, uprising, earthquake, flood or any other natural or man made eventuality outside of our control, which causes the termination of an Terms of Service or contract entered into, nor which could have been reasonably foreseen. Any Party affected by such event shall forthwith inform the other Party of the same and shall use all reasonable endeavours to comply with the terms and conditions of any Terms of Service contained herein.

17 Waiver Failure of either Party to insist upon strict performance of any provision of this or any Terms of Service or the failure of either Party to exercise any right or remedy to which it, he or they are entitled hereunder shall not constitute a waiver thereof and shall not cause a diminution of the obligations under this or any Terms of Service. No waiver of any of the provisions of this or any Terms of Service shall be effective unless it is expressly stated to be such and signed by both Parties.

18 General The laws of the State of Florida govern these terms and conditions. By accessing this website you consent to these terms and conditions and to the exclusive jurisdiction of the English courts in all disputes arising out of such access. If any of these terms are deemed invalid or unenforceable for any reason (including, but not limited to the exclusions and limitations set out above), then the invalid or unenforceable provision will be severed from these terms and the remaining terms will continue to apply. Failure of the Company to enforce any of the provisions set out in these Terms and Conditions and any Terms of Service, or failure to exercise any option to terminate, shall not be construed as waiver of such provisions and shall not affect the validity of these Terms and Conditions or of any Terms of Service or any part thereof, or the right thereafter to enforce each and every provision. These Terms and Conditions shall not be amended, modified, varied or supplemented except in writing and signed by duly authorised representatives of the Company.

19 Notification of Changes The Company reserves the right to change these conditions from time to time as it sees fit and your continued use of the site will signify your acceptance of any adjustment to these terms. If there are any changes to our privacy policy, we will announce that these changes have been made on our home page and on other key pages on our site. If there are any changes in how we use our site customers’ Personally Identifiable Information, notification by e-mail or postal mail will be made to those affected by this change. Any changes to our privacy policy will be posted on our web site 30 days prior to these changes taking place. You are therefore advised to re-read this statement on a regular basis.

These terms and conditions form part of the Terms of Service between the Client and ourselves. Your accessing of this website and/or undertaking of a booking or Terms of Service indicates your understanding, Terms of Service to and acceptance, of the Disclaimer Notice and the full Terms and Conditions contained herein. Your statutory Consumer Rights are unaffected.

20 Professional Liability Where there are applicable laws and regulations governing professional liability insurance, and insurance related products, Provider shall comply, and represents and warrants at all times that Provider is in compliance, with such laws and regulations. Provider shall inform The Company immediately in the event any of the aforesaid insurances are revoked or cancelled.

21 Exclusivity Access to this website is an exclusive arrangement between The Company within the Provider’s state. Provider shall not enter into any Terms of Services or arrangements, whether written or oral, with any other health insurance and/or health insurance related medical plans and/or other organization within the health care insurance field and/or any other company offering medical discounts in the contracted state, for six (6) months from the date of termination of the Terms of Service.

Provider shall not refer The Company’s members to any competing companies. In each instance in which Provider intends to provide additional products or services, which are not contained in the Service/Products listed in Exhibit A hereto, Provider shall immediately notify The Company, and give The Company the first right of refusal to have the applicable product or service included as an additional product or service under this Terms of Service.

22 Privacy / HIPAA. The Company shall maintain its member information and/or medical records in accordance with all applicable laws, including Federal and State laws related to privacy and confidentiality of member information and medical records, including HIPAA, and shall use and disclose such information or records only in accordance with applicable law and its program requirements.

24 Proprietary Information. In connection with the Terms of Service, neither The Company nor its affiliates may disclose to Provider, directly or indirectly, certain information that The Company or its affiliates have taken reasonable measures to maintain as confidential and which derives independent economic value from not being generally known or readily ascertainable by the public (“Proprietary Information”).

Proprietary Information includes member lists, the compensation provisions of the Terms of Service, and other information relating to The Company’s or its affiliates’ business that is not generally available to the public. Provider shall, and shall require its agents, employees, affiliates and subcontractors to, hold in confidence and not disclose any Proprietary Information and not use Proprietary Information except (a) as expressly permitted under the Terms of Service, or (b) as required by applicable law or legal or regulatory process. Provider shall, and shall require its agents, employees, affiliates and subcontractors to, provide The Company with prior written notice of any such disclosure required by applicable law or legal or regulatory process so that The Company can seek an appropriate protective order.

Provider shall, and shall require its agents, employees, affiliates and subcontractors, to disclose Proprietary Information only in order to perform their obligations under the Terms of Service, and only to persons who have agreed in writing to maintain the confidentiality of the Proprietary Information. The requirements of the Terms of Service regarding Proprietary Information shall survive expiration or termination of the Terms of Service. In connection with the Terms of Service, neither The Company nor its affiliates may disclose directly or indirectly, certain information that Provider or its affiliates have taken reasonable measures to maintain as confidential and which derives independent economic value from not being generally known or readily ascertainable by the public (“Proprietary Information”).

25 Immediate Termination. Either party may immediately terminate this Terms of Service upon written notice to the other party upon the occurrence of any of the following material breaches: a The occurrence of any event which adversely affects the health and safety of The Company members; b A party suffers the loss, permanent suspension or permanent restriction of a license from a governmental authority or accreditation from an accreditation body required to carry out its obligations under this Terms of Service, including meeting the conditions of participation in applicable programs; c A governmental authority orders one or more of parties to terminate this Terms of Service; d Either party determines or a governmental authority determines or advises that Provider has engaged in fraud or abuse, or has submitted a false claim; or e Either party fails to meet credentialing criteria; f Either party is disqualified to own an interest in a marijuana business in the contracted state.

If either Party shall breach any material obligation required under this Terms of Service, the other Party must give prompt written notice describing in detail the breach and its intention to terminate this Terms of Service if the breach is not cured. If the breaching Party fails to cure such material breach within thirty (30) days following such Notice, or if such breach is not capable of cure within such thirty (30) day period, then the non-breaching Party may, in addition to all other remedies available at law or in equity, terminate this Terms of Service upon written notice of final termination to the breaching Party.

26 Notification to Members. Upon expiration or termination of the Terms of Service, The Company will communicate such expiration or termination to its members as required by and in accordance with applicable laws and program requirements. Provider shall obtain The Company’s prior written approval of any communications from Provider to The Company’s Members regarding the expiration or termination of this Terms of Service.

27 Independent Contractors. The parties hereto are independent contractors. This Terms of Service shall not be deemed to create a partnership or joint venture, or an employment or agency relationship between the parties. Neither party has the right or authority to assume or create any obligation or responsibility on behalf of the other. Neither party is liable for the acts of the other.

28 Warranty and Indemnity. The Company and Provider each represents and warrants that it is in compliance with all statutory, regulatory and other legal requirements applicable to each of them to perform their respective obligations under this Terms of Service. Each party shall require that their respective agents, employees, affiliates and subcontractors act with honesty and integrity and that they avoid conflicts of interest. Each party hereto shall promptly advise the other in writing of the coming into effect of any statue, regulation, rule or amendment which it may become aware of which may affect either party in its abilities to discharge its duties and obligations under this Terms of Service or require it to take action related thereto.

Both Provider and The Company shall mutually indemnify and hold each other harmless from and against any claims, demands, actions, causes of action, omission(s), damages, losses, costs, liabilities or expenses whatsoever incurred by either party as a result of claims arising in relation to the performance of this Terms of Service or from any breach of this Terms of Service or from any negligent or wilful act of the other party, its officers, employees, agents, affiliates or sub-contractors.

In using The Company’s website(s) you are deemed to have read and agreed to the following terms and conditions:

The following terminology applies to these Terms and Conditions, Privacy Statement and Disclaimer Notice and any or all Terms of Services: "Rep", “You” and “Your” refers to you, the person accessing this website and accepting the Company’s terms and conditions. "The Company", “Ourselves”, “We” and "Us", refers to Novus Medical Group, Inc. and all subsidiary entities. “Party”, “Parties”, or “Us”, refers to both the Client (Members/Patients) and ourselves, or either the Client or ourselves. All terms refer to the offer, acceptance and consideration of payment necessary to undertake the process of our assistance to the Client in the most appropriate manner, whether by formal meetings of a fixed duration, or any other means, for the express purpose of meeting the Client’s needs in respect of provision of the Company’s stated services/products, in accordance with and subject to, prevailing Federal and/or State Law. Any use of the above terminology or other words in the singular, plural, capitalization and/or he/she or they, are taken as interchangeable and therefore as referring to same.

The Company is an organization offering insurance programs and insurance related plans within the Wellness field of healthcare delivery, including Wellness treatments, therapies, and supplements; additionally, other alternative treatments such as the use of Cannabidiol and Medical Marijuana (“MMJ”) by patients throughout the United States where MMJ is legal. You attest by your agreement to participate as an Affiliate to introduce and sell The Company’s insurance programs and insurance related plans to individuals Nationwide for The Company’s entire offering of Wellness/Integrative Healthcare plans.

Therefore, in consideration of the mutual promises and covenants herein, the parties agree as follows:

1. General Terms a) Rep agrees to introduce and sell The Company’s insurance programs and insurance related plans to individuals Nationwide for Wellness/Integrative Healthcare and Medical Marijuana products and services. For each patient who becomes a paying member of Novus which was procured by Rep, The Company will pay a monthly commission as agreed upon between the Rep and The Company. b) The Company will provide banner ads to post on the Rep’s website, or other social media sites, linking direct to The Company’s enrollment page throughout the duration of this Agreement. c) Subject to the prior approval of The Company, Rep can procure Providers for inclusion as a Network Provider for The Company. For each MMJ provider contracted as a Network Provider, Rep will be paid a one-time commission of $250.00. d) Any patients who become a member of The Company procured by Rep shall be the members of The Company, and Rep shall not engage in any steering activities.

2. Confidentiality of Information Rep shall keep strictly confidential and shall not disclose any information it obtains under or pursuant to this Agreement or otherwise, including, but not limited to, all member information contained in The Company’s database, unless required for discharging Rep’s obligations under the Agreement. The parties further agree as follows: a) Each party agrees to keep confidential all information each party may obtain regarding the other party’s operations or activities and under no circumstances divulge such information to any person. b) All information, development processes, market research, systems development, market techniques, product improvement, processes, programs and methods used or employed in connection with the Agreement shall be considered trade secrets and/or confidential and proprietary information belonging to The Company.

c) Rep shall use its best endeavors to ensure that its employees, agents and subcontractors fully comply with the terms of this clause. Upon termination of the Agreement, Rep shall return or, at the direction of The Company, destroy all proprietary materials of The Company in Rep’s care, custody or control. d) Subject to the limitations set forth in Paragraph 2, all information disclosed to the other party shall be deemed "proprietary information”. In particular, proprietary information shall be deemed to include any information, including but not limited to a marketing technique, publicity technique, public relations technique, process, algorithm, program, web design, design, drawing, mask work, formula, or test data research, work in progress, future development, engineering, manufacturing, marketing, servicing, financing, or personal matter relating to the disclosing party, its present or future products, sales, suppliers, clients, customers, employees, investors, or business, whether in whole or in part, oral, written, graphic, or in an electronic form. e) The term "proprietary information" shall not be deemed to include any information which (i) is now, or hereafter becomes, through no act or failure to act on the part of receiving party, generally known or available information; (ii) is known by the receiving party at the time of receiving such information as evidenced by its records; (iii) is hereafter furnished to the receiving party by a third party, as a matter of right and without restriction on non-disclosure; (iv) is independently developed by the receiving party without reference to the information disclosed hereunder; or (v) is the subject of a written permission to disclose provided by the disclosing party. Notwithstanding, any other provision of this Agreement, disclosure of proprietary information shall not be precluded if such disclosure: a. Is in response to a valid order of a Court or other governmental body of the United States of America, or any other political subdivision thereof; b. Is otherwise required by law; or c. Is otherwise necessary to establish rights or enforce obligations under this agreement, but only to the extent that any such disclosure is necessary. f) In the event that the receiving party is requested in any proceedings before a court or any governmental body to disclose proprietary information, it shall give disclosing party prompt notice of such request so that the disclosing party may seek an appropriate protective order. If in the absence of a protective order, the receiving party is nonetheless compelled to disclose proprietary information, the receiving party may disclose such information without liability hereunder; provided however, that such party gives the disclosing party advanced written notice of the information to be disclosed and upon the request and at the expense of the disclosing party, uses its best efforts to obtain assurances that confidential treatment will be accorded to such information. g) Each party shall maintain trust and confidence and not disclose to any third party or use for any unauthorized purpose any proprietary information received from the other party. Each party may use such proprietary information in the extent required to accomplish the purpose of the discussions with respect to the subject. Proprietary information shall not be used for any purpose or in any manner that would constitute a violation of a valid law or regulation, including without limitation, export control law of the United States of America or Canada. No other rights or licenses to trademarks, inventions, copyrights or patents are implied or granted under this Agreement. h) Proprietary information supplied shall not be reproduced in any form except as required to accomplish the intent of this Agreement. i) The responsibilities of the parties are limited to using their best efforts to protect the proprietary information received with the same degree of care used to protect their own proprietary information from unauthorized use or disclosure. Both parties shall advise their employees or agents who might have access to such proprietary information of the confidential nature of said proprietary information and that by receiving such information; they are agreeing to be bound by this Agreement. No proprietary information shall be disclosed to any officer, employee, or agent of either party who does not have a need for such information for the purpose of the discussions which are the subject of this Agreement. j) All proprietary information (including all copies thereof) shall remain the property of the disclosing party and shall be returned to the disclosing party after the party's need for such information has expired, or upon request by the disclosing party, and in any event, upon completion or termination of this Agreement. The receiving party further agrees to destroy all notes and copies thereof made by its officers

and employees containing or based on any proprietary information and to cause all agents and representatives to whom or which proprietary information has been disclosed to destroy all notes and copies in their possession that contain proprietary information. k) This Agreement shall survive any termination of the discussions which are the subject of this Agreement, and shall continue in full force and effect until such time as parties mutually agree to terminate it. l) This Agreement shall be governed by the laws of the United States of America, and as those laws that are applied to contracts entered into and to be performed in all states. Should any revision or part of this Agreement be determined to be void, invalid, or otherwise unenforceable by any Court or tribunal of competent jurisdiction, such determination shall not affect the remaining provisions of this Agreement which shall remain in full force and effect. m) This Agreement contains the full and final, complete and exclusive terms of the parties relating to the subject from which this Agreement was created. This Agreement shall supersede any prior agreement, whether oral or written. This Agreement may not be changed and or otherwise modified or amended except with a subsequent written instrument executed by both/all parties. n) Each party acknowledges and agrees that in the event of any breach by either party, including without limitations, the actual or threatened disclosure of a disclosing party's proprietary information without the prior express written consent of said party, the disclosing party will suffer irreparable damage and injury such that no remedy at law will afford adequate protection against or appropriate compensation for such injury. Accordingly, each party hereby agrees that the other party shall be entitled to specific performance of a receiving party's obligations under this Agreement. As well, further injunctive relief may be sought, and granted by a Court of competent jurisdiction. o) Nothing in this Agreement shall be construed to constitute an agency, partnership, joint venture, or other similar relationship between the Parties. p) Neither Party will, without prior approval of the other Party, make any public announcement of or otherwise disclose the existence or the terms of this Agreement. q) Non-Circumvention. During this Agreement, and for a period of no less than two years after its termination, if the Rep engages in any financial or other business transaction with any of the Company’s Protected Parties, then the Rep shall pay The Company, immediately upon the closing of that transaction, compensation (in cash and equity) equal to the amount of financial benefit gained by the Rep. The term “Company Protected Party” shall mean any person or entity that either The Company introduced to the Rep in connection with this Agreement, or a third party person or entity that has a business or other affiliation with any person or entity that The Company introduced to the Rep in connection with The Company’s services under this Agreement. r) No Contact with Protected Party. Unless authorized by The Company in writing, under no other circumstances shall the Rep make any effort to contact a Company Protected Party. Any and all contact information regarding the proprietary information is being provided solely for evaluative purposes only. The evaluative nature of this information is meant solely to assist Rep in deciding whether or not they wish to execute a compensatory arrangement with The Company with respect to a potential business dealing with The Company’s Protected Party.

3. Non-Compete Rep will have direct or indirect active role with The Company, thus undertakes not to compete in any way, directly or indirectly, with the business of The Company or its parent company. If the Rep ceases to participate in this Agreement, then the Rep agrees not to compete in any way with the business of The Company as defined at that moment, during the following 2 years.

4. Independent Contractors The parties are independent contractors. This Agreement shall not be deemed to create a partnership or joint venture, or an employment or agency relationship between the parties. Neither party has the right or authority to assume or create any obligation or responsibility on behalf of the other. Neither party is liable for the acts of the other.

5. Costs Each party to this Agreement shall bear the costs and expenses incurred by it in relation to the negotiation, drafting and execution of the Agreement.

By agreeing to participate as a Rep, the parties hereto have entered into the Rep agreement.